No, Oklahoma does not use a no-fault insurance system. It operates under a traditional fault-based system, meaning that the driver responsible for causing an accident is liable for the damages. In Oklahoma, drivers are required to carry liability insurance to cover potential costs associated with accidents they cause. This system allows injured parties to seek compensation from the at-fault driver’s insurance company. Understanding Oklahoma’s fault-based insurance system is crucial for drivers to ensure they have adequate coverage and know their rights in the event of an accident.